22 Cindy Ln, Halfmoon (Clifton Park), NY 12065 Property Records

Saratoga County and Halfmoon Town property record for 22 Cindy Ln, Halfmoon, NY 12065

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,231 sqft · built 1990
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Apr 2020)
Tax Bill	$7,609 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Mortgage + 1 more
APN	`413800 278.10-4-15`

Property Details

APN / Parcel Number

Primary APN	`413800 278.10-4-15`
Alternative APN	`380027801000040150000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,231 sqft Living Area
1st Floor Area	1,243 sqft
2nd Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	468 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	22 CINDY LN
City	HALFMOON
State	NY
Zip	12065-5660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	HOUSE/LOT 22
Legal Block	4
Legal Lot Number	15.000
Jurisdiction	SARATOGA NY
Township / Civil Division	HALFMOON
Census Block Group	1
Census Block	1010
Census Tract	62410

Owner

22 Cindy Ln is owned and occupied by an individual who bought it in April 2020.

Source: Saratoga County and Halfmoon Town records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	22 CINDY LN, HALFMOON, NY 12065-5660
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 28, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 27, 2020	Warranty Deed, Transfer · FHA Mortgage PREMIUM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Deed Document Number	202010299
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Recording Date	Sep 18, 2026
Property Address	22 CINDY LN, HALFMOON, NY 12065-5660
Document Number	0000027106
Instrument Date	Aug 31, 2026
Instrument	202627106
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 CINDY LN, HALFMOON, NY 12065-5660

Mortgage

Document Number	0000027106,
Date	Sep 18, 2026
Instrument	202627106

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	284 Months
Due	May 1, 2050

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	22 CINDY LN, HALFMOON, NY 12065-5660
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024732
Date	Sep 28, 2023
Instrument	2023024732

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Apr 27, 2020
Property Address	22 CINDY LN, HALFMOON, NY 12065-5660
Document Number	0000010299
Instrument Date	Apr 23, 2020
Instrument	10299
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEIRLOOM LN #G HALFMOON NY 120654640, G, HALFMOON, NY 12065-4640

Mortgage

Document Number	10301
Date	Apr 27, 2020
Instrument	10301

Lender

Name	PREMIUM MTG
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 22 Cindy Ln was $7,609.

Source: Saratoga County and Halfmoon Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Halfmoon Town
Unified School District	Shenendehowa Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,609.00	$188,700 Land $36,600 Building $152,100	$506,577 Land $98,255 Building $408,322
2023		$188,700 Land $36,600 Building $152,100	$444,000 Land $86,118 Building $357,882

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 22 Cindy Ln; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 22 Cindy Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HALFMOON WATER DISTRICT (TROY) serves 15,000 people · EPA ID NY4519111
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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